本文關(guān)鍵詞： 交通銀行XT分行 信貸風(fēng)險 財務(wù)分析　出處：《天津商業(yè)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：中國自加入WTO以后，銀行業(yè)逐步開放，商業(yè)銀行間競爭逐漸升級，各銀行都面臨著前所未有的挑戰(zhàn)。與此同時，市場經(jīng)濟(jì)環(huán)境對于商業(yè)銀行風(fēng)險管理水平的要求也越來越高。信貸風(fēng)險是商業(yè)銀行所面臨的首要風(fēng)險，信貸風(fēng)險管理水平低下則成為信貸風(fēng)險產(chǎn)生的主要原因。交通銀行XT分行在信貸風(fēng)險管理機(jī)制上存在著一些漏洞與不足，一方面未建立有效的風(fēng)險管理控制系統(tǒng)，另一方面缺乏良好的風(fēng)險損失補償機(jī)制，造成XT分行信貸資產(chǎn)質(zhì)量整體水平不高，信貸業(yè)務(wù)風(fēng)險增加，成為阻礙XT分行發(fā)展的較大頑疾。 本文以交通銀行XT分行的信貸風(fēng)險管理為研究對象，一共分為六章。第一章為導(dǎo)言，介紹選題背景及意義、國內(nèi)外文獻(xiàn)綜述、研究思路與研究方法及本文的預(yù)期結(jié)果。第二章為信貸風(fēng)險管理理論，闡述了信貸資產(chǎn)風(fēng)險的概念、信用風(fēng)險的概念與特征、商業(yè)銀行信貸風(fēng)險的種類以及常用的信貸風(fēng)險分析方法。第三章介紹交通銀行XT分行的背景、信貸資產(chǎn)概況及現(xiàn)行信貸風(fēng)險管理機(jī)制。第四章就交通銀行XT分行信貸風(fēng)險管理中存在的問題進(jìn)行探討。交通銀行XT分行屬于市級銀行，其信貸風(fēng)險管理和國際先進(jìn)銀行相比存在較大差距，信貸風(fēng)險管理中存在較多問題，主要表現(xiàn)為：信貸資產(chǎn)結(jié)構(gòu)失衡、客戶信息披露審查不嚴(yán)謹(jǐn)、信貸風(fēng)險分析方法有缺陷、信貸風(fēng)險管理理念較陳舊、信貸風(fēng)險補償機(jī)制不健全、信貸文化建設(shè)不完善等。第五章為加強交通銀行XT分行信貸風(fēng)險管理的對策，針對前一章的問題提出解決方案。主要包括：調(diào)整信貸資產(chǎn)結(jié)構(gòu)，準(zhǔn)確把握存貸比；加強客戶信息披露審查，全面把握客戶情況；健全信貸風(fēng)險管理機(jī)制，更新信貸風(fēng)險管理理念；建立信貸風(fēng)險補償處理體系，，化解不良貸款風(fēng)險；建立良好信貸文化氛圍，提高信貸人員專業(yè)素質(zhì)。第六章為結(jié)論。
[Abstract]:Since China's entry into WTO, the banking industry has gradually opened up and the competition among commercial banks has escalated. At the same time, banks are facing unprecedented challenges. In the market economy environment, the requirements for the level of risk management of commercial banks are also becoming higher and higher. Credit risk is the primary risk faced by commercial banks. The low level of credit risk management is the main reason for the credit risk. XT branch of Bank of Communications has some loopholes and shortcomings in the credit risk management mechanism. On the one hand, it has not established an effective risk management and control system. On the other hand, the lack of good risk loss compensation mechanism causes the overall quality of credit assets of XT branch is not high, and the risk of credit business increases, which becomes a serious problem that hinders the development of XT branch. This paper takes the credit risk management of XT branch of Bank of Communications as the research object, which is divided into six chapters. The first chapter is the introduction, which introduces the background and significance of the topic, the literature review at home and abroad. The second chapter is the theory of credit risk management, which expounds the concept of credit asset risk, the concept and characteristics of credit risk. The types of credit risk of commercial banks and the common methods of credit risk analysis. Chapter three introduces the background of XT branch of Bank of Communications, Chapter 4th discusses the problems in credit risk management of XT branch of Bank of Communications. XT branch of Bank of Communications is a municipal bank. Compared with the international advanced banks, there are many problems in credit risk management, such as the imbalance of credit assets structure, the lack of strict examination of customer information disclosure, and the defects of credit risk analysis methods. The concept of credit risk management is old, the compensation mechanism of credit risk is not perfect, the construction of credit culture is not perfect and so on. Chapter 5th is the countermeasures to strengthen the credit risk management of XT branch of Bank of Communications. To solve the problems in the previous chapter, it mainly includes: adjusting the structure of credit assets, accurately grasping the deposit-loan ratio, strengthening the examination of customer information disclosure, comprehensively grasping the customer situation, perfecting the credit risk management mechanism, We should renew the concept of credit risk management, establish a credit risk compensation system to resolve the risk of non-performing loans, establish a good credit culture atmosphere and improve the professional quality of credit personnel. Chapter 6th is the conclusion.
【學(xué)位授予單位】：天津商業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前1條

1 孫茂林;王樹恩;;我國商業(yè)銀行信貸風(fēng)險識別與管理研究[J];山東社會科學(xué);2013年05期

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